Our most innovative and
comprehensive plan for all
your health needs


Option IOption IIOption IIIOption IVOption V

*Only one Deductible per person, per Policy Year applies. For family Policies, a maximum of two Deductibles accumulated per Policy, per Policy Year will be applied. For more information, please refer to the Conditions of Coverage of the policy.


Lifetime coverageUnilimited
Maximum coverage per person, per policy yearUnlimited
Age limit to applyUp to 75 years old
Waiting Period30 days
Geographical coverageWorldwide without restrictions of doctors and hospitals
Standard private hospital room100% UCR
Special benefit for suite accommodation (subject to availability)Up to US$3,000 per day within the USA Special Network®
Use of intensive care unit100% UCR
Companion accommodation expenses of a hospitalized insured100% UCR, max. of 21 nights
Prescribed medications while hospitalized and following a hospitalization or outpatient surgery100% UCR
Inpatient mental health treatmentUS$10,000
Emergency room care100% UCR
Physician and specialist visits 100% UCR
Physician and specialist home visits (where available)100% UCR
Outpatient or non-hospitalization prescription medication 100% UCR
Complementary therapy: chiropractor, psychologist, psychiatrist, osteopath and/or acupuncturist100% UCR up to 100 visits, all therapies combined
Nurse or therapist care at home 100% UCR
Preventive health checkup, per insured, no deductible applies (options I, II, III & IV)• 100% UCR for insureds from 0 to 6 months of age, up to 6 visits
• US$600 per policy year for insureds from 6 months to 17 years of age, including up to US$75 for preventive dental checkup in options I & II
• US$800 per policy year for insureds from 18 years of age and older, including up to US$75 for preventive dental checkup in options I & II
Hearing aids US$3,000 per lifetime
Treatment for Alzheimer’s disease100% UCR
Autism treatment• 100% UCR if the insured was born in the policy under a covered maternity
• US$10,000 for insureds not born under a covered maternity, and who developed the condition while they were insured
Allergy treatment100% UCR

The following benefits offer the same coverage for both inpatient and outpatient procedures.

Emergency medical services100% UCR
Surgeon and anesthesiologist fees100% UCR
Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/PET scans)100% UCR
Oncology: tests, treatment (chemotherapy and/or radiotherapy) and medication100% UCR
Surgery to reduce the risk of cancer or prophylactic surgeryUS$30,000 per lifetime (after a 12-month waiting period)
Dialysis services100% UCR
Prostheses and medical appliances implanted during surgery100% UCR
Organ transplant (per organ/tissue)US$3,000,000 per lifetime
Includes US$80,000 benefit for expenses of the live donor
Durable medical equipment 100% UCR
Physical therapy and rehabilitation 100% UCR

Specialized treatments: sleep apnea and other sleep disorders
Specialized therapies: occupational and speech

Congenital and/or hereditary conditions diagnosed before age 18US$2,000,000 per lifetime
Congenital and/or hereditary conditions diagnosed after age 18100% UCR
HIV-AIDS treatmentUS$1,000,000 per lifetime (after a 24-month waiting period)
Gastric bypass bariatric surgery and any type of surgical procedure for weight loss and its complications or treatmentsUS$15,000 per lifetime (after a 24-month waiting period)
Surgical treatment of symptomatic foot disorders100% UCR (after a 24-month waiting period)
Reconstructive surgery after an accident or illness (covered by this plan)Up to the benefit limit
Mental health prescription medication (inpatient and/or outpatient)US$5,000

10-month waiting period, no deductible applies.

MaternityOption I:
US$10,000, no deductible applies

Option II:
US$10,000, after deductible
Extraction and storage of newborn stem cells (option I)US$2,000 per covered pregnancy
Maternity and newborn complicationsOption I:
US$1,000,000 per lifetime, no deductible applies
Inclusion of the newborn within 90 days after the birth (options I & II)Without underwriting, if born from a covered maternity
Free coverage for dependents up to 10 years old (option I)*• Max. of 2 children born from a covered maternity, if both parents are insured in the policy
• Max. of 1 child born from a covered maternity, if only the mother is insured in the policy
Fertility treatment (option I)**US$5,000 per lifetime, after deductible (after a 24-month waiting period)

*Included in the policy within 90 days from birth. After 90 days, premium payment will be required.

**The coverage of these treatments does not exonerate the insured from the exclusions related to a pregnancy resulting from them, as detailed in the policy.

Emergency transportation by ground ambulance100% UCR, no deductible applies
Emergency transportation by air ambulance 100% UCR , no deductible applies
Cost of return ticket for the insured and one companion after an evacuation by air ambulanceUS$2,000 per person
Repatriation or cremation of mortal remains100% UCR
Treatment for injuries during the training or practice of hazardous hobbies and/or professional sports100% UCR
Emergency dental coverage 100% UCR for treatment within the first 180 days of the covered accident
Refractive eye surgeryUS$500 per eye, per lifetime (after a 24-month waiting period)
Palliative care100% UCR
Temporary coverage for accidents while application is being underwritten US$30,000
Free extended coverage for eligible dependents after the policyholder’s death as a result of a covered accident or condition2 years
Elimination/reduction of the policy deductible for no claims during the last 3 yearsOptions I & II:
• Elimination for 1 year after the 3rd year without claims
• Reduction of 50% of the deductible for 1 year after the 3rd year, if the deductible was not met in any of the years

Options III & IV:
• Reduction of 50% of the deductible for 1 year after the 3rd year without claims
Second Medical Opinion VIP®Access to a second medical opinion of renowned experts from aroundthe world, no deductible applies
Maternity and newborn complications (option II)US$500,000 per lifetime, after deductible
Travel VIP Light*Up to US$5,000 for emergency medical treatment while traveling abroad